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It's very likely that you're here researching credit monitoring services and trying to determine which is the best option for you. This is an extremely smart decision. You've undoubtedly worked extremely hard to build solid finances and a good credit rating. Identity theft can make all of your efforts disappear very quickly.

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Credit Monitoring & Identity Theft Protection Reviews

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The 5 Best Credit Monitoring

Services In 2017

I take identity theft extremely seriously. I also talk a lot about preventative measures you

can use to help prevent id theft, as well as, ways to limit the damage if you do become a

victim of identity theft. Credit monitoring is THE MOST RELIABLE WAY to know what is

going on with your credit and your identity...Period! Plenty of other websites will say that

this is something the average person can easily do on their own. The reality is, there is no

way for you to possibly keep track of what's happening with your credit, bank accounts, &

social security number on a day to day basis. This year, 1 in 4 Americans will be a victim of

identity theft. Credit monitoring alerts allow you to find out your identity was stolen within

hours...not days or even weeks. It's not a matter of if, but when, all of us will have our

identities stolen and used fraudulently. It's time for everyone to start thinking proactively

and get prepared!

I reviewed over 20 monitoring services that feature multiple plan options, comprehensive

credit report monitoring + identity theft protection, credit score access, and theft insurance.

Only 5 of them made my list.

My Top 5 Picks For Affordable Credit Monitoring With Free/Discounted Trials

1. (/m/identityguard)

2. (

3. (

4. (

5. (

IdentityGuard The Top Rated Credit


Monitoring Company

()IdentityGuard ( is hands down the

number one credit monitoring & identity protection service available to consumers. You get

three plan options which are extremely affordable, even for tight budgets. With all of the

plans, you receive access to your three credit scores and reports plus daily three bureau

monitoring. They monitor your credit cards, bank accounts, social security number and

public records for any signs of unauthorized or fraudulent activity. In the event suspicious

activity is detected, you will promptly be alerted via Text, Phone or email. The fast alert

times are one of the absolute best features of their monitoring plans. This lets you

investigate the activity and take action before it grows into a larger problem.

Another nice bonus is their mobile app which you can download to your iPhone or Android

smartphone. This gives you on-the-go access to monitoring alerts, credit scores and other

account benefits.

If you do have an incident of identity theft as an IdentityGuard subscriber, you can be

eligible for up to 1 million dollars in identity theft coverage and have access to a personal

recovery assistant to help you get in contact with creditors.

Combine this with lost wallet protection, plus computer protection software including

password protection, anti virus and keystroke encryption, and you have a credit monitoring

plan that is above and beyond what you will find with other monitoring companies. If you

want to seriously start protecting your identity, you can't go wrong with of the

IdentityGuard ( plans, however their

Total Protection Plan is the best value.


Service Features

• My Top Pick for comprehensive credit monitoring plans, value & customer service

• Voted #1 Identity Protection 2015 by Kiplinger Magazines

• A+ Better Business Bureau rating

• Daily 3 bureau credit monitoring

• Social security number monitoring

• Public record monitoring


• 3 affordable subscription plan levels

• Text, email & phone fraud alerting

• 1 million dollars id theft insurance

• Free mobile app for iPhone & Android

• Free 30 Day Trial & only $16.99/month subscription (/m/identityguard)


I ranked ( a close second

behind IdentityGuard due to it's trusted company history and comprehensive monitoring

plan selection. LifeLock utilizes a 5 point protection plan that monitors over one million data

points on your three credit bureaus, credit scores, social security number, investment

accounts and public records. This is what makes LifeLock one of the most

complete monitoring solutions available. The moment you sign up for a LifeLock account,

they immediately begin monitoring your identity for threats against your personal

information. If threats are detected, you will be alerted quickly via text, email or phone.

Again, quick alerting is of the utmost importance. LifeLock gives you the upper hand so you

can stop id theft threats before major damage is done. LifeLock also offers LifeLock Jr.

which is an add on service that lets you monitor your child's credit reports. Child identity

theft is actually becoming more common that adult identity theft.

As with IdentityGuard, you receive up to 1 million dollars in identity theft loss insurance,

24/7 customer service and a personal recovery assistant to work with you should your

identity be compromised. The only thing I don't like about the LifeLock service is that you

only get access to your 3 bureau credit reports and scores when you sign up for the most

expensive, Ultimate Plus plan. Definitely not a deal breaker by any means because ( features 3 levels of

monitoring plans which work with all budgets.

Service Features

• 5 point protection plan that monitors 1 million data points

• Credit score, report & social security number monitoring

• Monthly 3 bureau credit report access


• Fast fraud alerting

• Deep web identity monitoring

• LifeLock Jr. child id protection add-on

• 1 million dollars id theft insurance**

• Free 30 Day Trial / 10% Off Monthly Subscription Price

IdentityForce ( is ranked 3rd on

our list. With a 3 level approach to identity theft protection; Monitor, Alert & Control, provides the extra set of eyes keeping watch over your identity, privacy

and credit. IdentityForce uses innovative monitoring technology which allows them to take

a more proactive approach to id theft detection. This broad spectrum coverage

encompasses change of address monitoring, court record monitoring, credit report

monitoring, identity monitoring, sex offender list monitoring and even payday loan

monitoring. If any suspicious activities are detected on these accounts, immediate alerts

are sent to your phone or email. All plans include daily 3 bureau credit monitoring, credit

score tracker, identity health score, junk mail opt-out and medical id fraud alerting.

IdentityForce also helps you take full control of your credit, by letting you know who, where

and how your personal information is being used at any given time. As with the previous

services you can be eligible for up to 1 million dollars in id theft insurance if your identity is

stolen and personal credit restoration assistance support. You also receive free anti-

phishing and anti-keylogging software to help keep your identity safe while shopping and

browsing online. This can proactively protect your usernames, passwords, pin numbers,

bank account details and much more.

( is a truste and respected company

and we were very impressed with the level of credit monitoring protection and the

affordability of their two packages.

Service Features

• Credit monitoring from trusted major credit bureau

• 3 bureau credit monitoring

• Transunion credit report access


• Lost wallet protection

• Credit file change alerting

• Personalized credit analysis tools

• 1 million dollars id theft insurance

• $1.00 7 Day Trial / $19.95 Monthly Subscription Price


TransUnion ( is one of the major credit

reporting bureaus and also offers quality 3 bureau credit monitoring. Their protection plans

include public record monitoring, lost wallet protection, credit file change alerts, full credit

report access an ID restoration assistance. You will receive instant email alerts if someone

applies for credit in your name plus you receive a personalized debt analysis and credit

trend report, so you can keep on top of your spending and credit rating. Add in a $1 million

dollar ID theft insurance plan and this is an excellent credit monitoring option from a trusted


The TransUnion monthly subscription costs $17.95, which is about the average price for

most monitoring plans. However, for that price I think there are better options that will

include more detailed monitoring, alerting and credit tools. With no access to Experian or

Equifax credit reports as well as no FICO score availability, we would recommend this

service only to those are are concerned solely with their TransUnion specific reports &


You can start your 7 day TransUnion trial monitoring plan for only $1.00. Monthly cost is

$17.95 after the trial period. Visit TransUnion

( to get started.

Service Features

• Credit monitoring from trusted major credit bureau

• 3 bureau credit monitoring

• Transunion credit report access

• Lost wallet protection

• Credit file change alerting


• Personalized credit analysis tools

• 1 million dollars id theft insurance

• $1.00 7 Day Trial / $19.95 Monthly Subscription Price


ProtectMyID ( is run by the credit

bureau Experian and gives you complete access to your Experian credit reports along with

change of address alerting,internet scanning & surveillance alerts and daily credit report


ProtectMyID also offers programs that help to protect the identities of your children and

advice on how to protect loved ones that may have passed away. Though ProtectMyID

may not give you access to free credit scores, they do give you benefits in other ways with

protections of your identification materials that other organizations do not. With the Exper-

ian relationship, you also have a direct link to your credit report so that you have an imme-

diate knowledge of any potential identification theft events.

$1 million identity theft insurance and rapid theft resolution are just part of the ProtectMyID

service. The biggest benefit of this plan is that you have a monitoring plan with a national

credit bureau that's been in business for nearly 60 years and serves nearly 220 U.S.

consumers annually. Stop identity theft in its tracks - start your 7-day trial by purchasing a

$1 credit report with enrollment in


Service Features

• Run by the trusted Experian credit bureau

• 3 bureau credit monitoring

• Experian credit report access

• Credit report change alerts

• Internet scanning & id surveillance alerts

• 60+ years experience & 220 million customers

• 1 million dollars id theft insurance

• $1.00 7 Day Trial / $19.95 Monthly Subscription Price


**Service Guarantee benefits for State of Washington members are provided under a

Master Insurance Policy issued by United Specialty Insurance Company. Benefits for all

other members are provided under a Master Insurance Policy underwritten by State

National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1

million to hire experts to help your recovery. Please see the policy for terms, conditions and

exclusions at

What You Need To Know About

Credit Monitoring

It's very likely that you're here researching credit monitoring services and trying to

determine which is the best option for you. This is an extremely smart decision. You've

undoubtedly worked extremely hard to build solid finances and a good credit rating.

Identity theft can make all of your efforts disappear very quickly. This is exactly why I'm

such a huge advocate of everyone signing up for some level of credit monitoring. If price is

a concern, you should know that you'll realistically be looking at about $20/month for most

services. When you consider that you probably waste $20 each month on something

much less important than the security of your identity, getting a credit monitoring service

plan seems like a pretty good idea. Credit monitoring alerts only help if you have them in

place BEFORE your identity is stolen. If you really want to protect your fiscal future, take a

proactive approach and sign up for a monitoring plan today. It's going to be the best $20

you've ever spent.

If still you're on the fence about whether

or not to sign up for a credit monitoring

plan, consider these questions.

If your identity was stolen today and fraudulent accounts opened in your name, how

long would it take you to find out?


The reality is that it can take days or weeks before you find out that you have been a

victim of identity theft. By this time, the damage has been done. Credit monitoring will

alert you almost immediately when suspicious activity appears on your credit reports or

other monitored accounts. This allows you to quickly investigate and stop the fraud

before it gets worse. It's frightening to think that a criminal could be using your

sensitive information and you have no idea it's happening. Credit monitoring gives you

peace of mind that you will know what's happening with your credit 24/7.

Do you worry about using credit cards for online purchases or even at retail stores,

because you fear your credit card information may fall into the wrong hands?

This is not an uncommon concern. Identity theft is a serious, ongoing threat for anyone

who makes purchases online, uses online banking or makes in store purchases with

credit cards.. Even secure websites can be compromised and your information can

quickly end up in the wrong hands. A quality monitoring plan will let you confidently

shop online again. Knowing that in the event that your information is part of a hacking

scheme or data breach, you would be alerted quickly. In most cases, you will likely

find out about the breach BEFORE the online store or retailer alerts potential victims.

Credit monitoring allows you to be proactive and gives you the power to stop the fraud


Do you have the time to spend on the phone with creditors & businesses trying

to repair the damage done by an identity theft incident?

The Federal Trade Commission estimates that it takes an average of 6 months and

200 hours of work for an individual to recover from identity theft. This is time spend

contacting businesses, creditors and credit bureaus, attempting to have fraudulent

accounts closed and reconciled so you are not liable for the debts. Nearly all credit

monitoring companies include identity theft recovery assistance as part of their service

plans. They will help you through the steps to repair the damage. This will save you

time, money and frustration. Plus you may be eligible for up to 1 million dollars of

identity theft insurance in some cases.

When was the last time you checked your children's credit reports? Is keeping their

credit in good standing a priority for you?


Most people are unaware that child identity theft is becoming even more commonplace

than adult id theft. Criminals are targeting the social security numbers of children &

teenagers because they usually have no credit history. This gives the thieves a clean

slate to open credit card accounts, apply for home & auto loans and much more.

Monitoring your child's credit, as well as your own, helps protect them from irreparable

damage that they won't discover for years to come. You can add your child's social

security number as an add-on feature for may credit monitoring plans. We highly

suggest you take advantage of this. Start protecting your good credit and your

children's future credit.


Are you concerned about the monthly cost of credit monitoring?

You should be concerned about the cost of NOT having monthly credit monitoring.

The average monetary loss suffered by an identity theft victim is approximately $1500.

If a criminal were to obtain your debit card number and pin, you could lose

considerably more. For around $20/month you can mitigate some of this threat. Plus,

all of the services I've reviewed below have a free trial period. You can sign up, try the

service for yourself and then determine if it's right for you. No risk. No money out of

your pocket.

Why is Credit Monitoring Important?

1. Catch Scammers Quickly

If people do not check their credit reports regularly, it is extremely easy for a scammer to

open new accounts in a person's name and rack up thousands of dollars of debt without

the person even knowing. One year is more than enough time for a scammer to completely

destroy a person's credit and rob them of all of their assets. With the victim unaware, the

scammer can go on endless spending sprees without ever paying a dime. This illegal

behavior then ends up costing the victim hundreds if not thousands of dollars in losses and

legal fees to fix the situation. The sooner the scammers are caught, the less damage they

have time to do.


2. Protect Your Credit Score

Maintaining a good credit score is vital to people's financial health as good credit scores

help people get approved for loans and credit cards and help people receive good interest

and insurance rates. Scammers and identity thieves ruin people's credit scores by racking

up large amounts of debt in people's names and opening up accounts which are never paid

off because the person does not know the accounts exist. Both large debts and missed

payments can completely ruin a person's credit score.

3. Detect Credit Reporting Errors

Sometimes suspicious information on people's credit reports is not the result of a scammer

or identity thief, but the result of an error. Errors cause all the same negative effects as

identity thieves, only without a malicious person to blame. With credit monitoring allows

people to respond to misinformation on their credit report quickly, before they feel the

negative effects.

4. Identity Theft Detection

Identity thieves do not just use others' credit cards to rack up large amounts of expensive

purchases. Identity thieves also use others' names to seek medical care or to give a false

identity when arrested. They use others' identities to seek employment or to obtain official

paperwork. They can also drain people's bank accounts and steal their tax returns. Credit

monitoring is useful in catching identity thieves, no matter what type of crime they are

attempting to commit.

What do Credit Monitoring

Companies Actually Monitor?



Most commonly, credit monitoring companies monitor people's credit reports with one, two

or three credit bureaus. More comprehensive services also monitor sources such as public

records, medical records and black market websites. Some services even monitor all bank

accounts nationwide, watching for accounts opened in customers' names.


The most comprehensive credit monitoring plans look for information such as newly

opened accounts and inquiries, as well as sudden and significant changes to people's

credit scores. Some more comprehensive companies may also alert customers about

changes to their mailing address or to new public record or medical record information.

Who Needs Credit Monitoring?

While there is no real downside to signing up with a reputable credit monitoring company,

some people may not need to bother with the extra expense. People who have never been

the victim of identity theft, who have no reason to suspect they will be the victim in the

future and who regularly check their credit reports themselves probably do not need to

bother signing up for a monitoring plan.


However, there are many people who would benefit greatly from credit monitoring,

including those who have been the victim of identity theft in the past, those who have had

personal information lost or stolen and those who have dealt with dishonest companies in

the past. Also, people who have dishonest friends and family member with their personal

information may want to sign up as well.

Selecting The Right Monitoring

Company & Plan


While the decision of whether or not you need a credit monitoring service can be an easy

one, deciding which credit monitoring service to choose can be a little more difficult. There

are several options available to consumers, and many of them are only slightly different

than the others. When searching for a credit monitoring service, here are a few things you

may want to look for.

Frequency of Monitoring: Many credit monitoring companies monitor customers' credit

daily, though some may not monitor it quite that frequently. The frequency with which

companies monitor customers' credit is vital as undetected scammers can do a great deal

of damage in a short amount of time.

Sources Included: Most monitoring plans will monitor one, two or three of the major credit

reporting bureaus. Some also monitor customers' personal accounts, nationwide account

information, public record information and illegal black market websites



Alert Method: Phone, letter and text message alerts are all common. Some companies

even offer mobile apps that allow customers to check their information from their mobile


Report Information: Many companies may only alert customers when they find suspicious

activity; others will send customers their entire credit report at set intervals. Some will only

notify customers of new accounts, while others will notify customers about any activity

completed in their name, including arrest and medical records.

Insurance: Some offer their customers insurance so they can get their money back if they

are the victim of identity theft. Others promise to spend a certain amount fixing the

problem, but do not guarantee customers will recoup their losses.

Assistance: Most credit monitoring companies will work diligently with their customers and

cancel and replace their credit cards and identification cards for them. Other companies will

simply notify customers of the problem and then let the customers resolve the credit

problem themselves. Customer service hours vary as well.


Cost: The cost of credit report monitoring typically varies from free to around $30, but more

expensive options may or may not be worth the extra expense. Consumers should look at

a company's available features before they consider their price.

Credit Monitoring Is An

Overlooked Part of Identity


Credit monitoring services work by monitoring for changes in your credit files maintained at

the three credit reporting agencies. If something changes that you should know about you

will hear about it right away. This is a good way to detect if an identity thief is trying to open

an account with your personal information. These services track your credit report for the

changes such as:

• opening new accounts or lines of credit

• making credit inquiries

• employment changes

• changes in address

Credit Monitoring vs Identity Theft


A lot of people are confused by the similarities between credit monitoring and identity theft

protection plans. Many identity theft protection plans include credit monitoring as part of

their services or as the main part of their service. Other identity protection companies

stress that it is more important to protect your actual identity instead of your credit. Which

one is correct? Or is protecting both something that you should consider doing?


Protecting your identity means protecting the source materials that make up your actual

identity… and that is not your credit history. Your identity means your Social Security

number, your driver’s license, your public records, and anything besides your credit history

that is tied to your identity. That could mean benefits to which you are entitled from your

job, a settlement you may have won, or unsecured lines of debt that are not associated

with your credit history unless they become delinquent to the point of being sent to a

collection agency because of default.

Credit monitoring does exactly what the name implies – it monitors your credit. Your credit

is like an extension of yourself because it is a record of what your spending habits and

payment habits happen to be. Your credit history also keeps a record of the types of credit

for which you have applied. To be able to access your credit, an identity thief must first be

able to source some sort of identification materials to be able to pose as you – generally

your Social Security number.

Only you can decide if you need to protect your identity, protect your credit, or to protect

both of them. The good news is that any step that you take to protect yourself is a step in

the right direction.

Checking Your Credit Report


Did you know that you can check your credit history for free? That’s right! If you are

concerned about your credit being compromised, you can write to request a free credit

report every 12 months from the three major credit bureaus: Experian, TransUnion, and

Equifax. You can request all three at the same time to compare the information, of you can

request one at a time and space them out every four months so that you have a review

done all year. You can write them your own with the correct contact information to request

this information, or you can request your free credit report online from a reputable website.

The Best 5 Credit Monitoring Services & Identity Protection



**Service Guarantee benefits for State of Washington members are provided under a

Master Insurance Policy issued by United Specialty Insurance Company. Benefits for all

other members are provided under a Master Insurance Policy underwritten by State

National Insurance Company. Under the Service Guarantee LifeLock will spend up to $1

million to hire experts to help your recovery. Please see the policy for terms, conditions and

exclusions at

Disclosure: In regards to the new FTC regulations, we are making this page to be

compliant with 100% transparency regarding disclosure of incentive and paid reviews. We

receive compensation from products and services listed on this page. This site generates

income through banner advertisements and affiliate links on product reviews. We review all

services based on criteria such as value to customer, levels of service, customer service

ratings, &reputation. We do not receive compensation for any of the reviews found on this


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